Debt Help

Are you looking for ways to get out of debt? Well, I think you have come to the right place. These articles focus on debt elimination techniques, getting out of credit card debt, minimizing debt damage, and other ways to get out of debt.

7 steps to get out of debt
The 7 steps that I am going to take you through are things that my wife and I have done to pay down our debts. Each article is fairly long, so you can feel free to bookmark it and come back later or you can download it as an ebook. If you are serious about getting out of debt, I recommend that you read each article, even though the first two are a bit less practical than the last five. I believe that they the first two include the keys to successfully getting out of debt.
The 7 Steps to getting out of debt

Getting out of Debt (Step 1) – Realize it is not about you
Getting out of Debt (Step 2) – Open your mind
Getting out of Debt (Step 3) – Create a balance sheet
Getting out of Debt (Step 4) – Quit over-spending
Getting out of Debt (Step 5) – 15 ways to cut expenses
Getting out of Debt (Step 6) – Make sacrifices
Getting out of Debt (Step 7) – Snowball your debt

If you go through these articles and just do some of the stuff mentioned, you are going to be in much better financial shape than you were before. But, I recommend that you sit down with each article and really spend some time with it. The last five articles are going to require some actions on your part. So, spend a couple weeks and make getting out of debt your new hobby and work hard at it! You will be rewarded for your efforts!

Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

Why you should get out of debt
Debt Snowball Software
How to negotiate with credit card companies
The Bible and Debt
Bankruptcy and the Bible
Reducing credit card interest rates
How to control spending
Learn how to say NO to yourself!
How to make a budget
Christians and Debt
6 Tips for a debt free Christmas
Money doesn’t solve money problems
How to quit spending more than you make
29 tips on getting out of debt from the readers
If you want to get out of debt you need Gazelle Intensity!
A good debt reduction strategy
My thoughts about credit card use
Money Mistake: Not paying attention to interest rates!

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

Good Debt or Bad Debt | The Crayola Approach

09.01.2010 by Craig Ford 8 comments

I recently bought a pack of 64 crayons for my daughter. I had no idea there were so many colors. Back in my day, the world of colors consisted only of a handful of primary colors. But with the help of…

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Key Performance Indicators For Your Finances

08.30.2010 by Jason Price 2 comments

Whether you’re driving a car, or you are the CEO of a major corporation, you use key performance indicators (KPI’s) to get an understanding of the state of things. Personal money management is no different. You need to watch KPI’s regularly so you know you’re making forward progress on your journey. It can also be important to monitor them to insure you’re not endangering your financial situation and your ability to achieve financial goals…

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Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

What You Need to Know Before You Get a Student Loan

08.18.2010 by Jason Price 5 comments

College is getting ready to start for many students. If you’re a new student, by now you know whether or not you’re going to take out a student loan or not. If you’ve made the decision to get a loan to start college, there are some things you need to know. Thinking back several years ago, I didn’t really have a…

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How To Discourage Yourself From Overspending

08.11.2010 by John Frainee 7 comments

Are you one of those people who have a difficult time keeping the cash in their wallet – you go to the store intending to buy one or two things and walk out with twenty? If you’re a chronic over-spender, here are a few tips and tricks on how to discourage yourself from the habit…

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Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

Which Debt Should I Pay Off First: Car or Student Loan?

08.10.2010 by Bob 12 comments

In most situations I recommend Dave Ramsey’s Debt Snowball method of paying off the debts from smallest to largest, starting with the lowest balance first. The reason being that many people need the “small victory” of getting a debt paid off to help keep them motivated. In this particular case, I suggested something different…

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Set Your Financial Priorities and Accomplish More

08.08.2010 by Jason Price 5 comments

For the longest time priorities plagued our ability to make forward progress on our journey to true financial freedom. For example, we were doing a little bit of everything in terms of working on financial goals. We were paying on car debt, student loan debt, saving some on the side for emergencies and contributing to [...]

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Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

5 Steps for Married Couples to Get Out of Debt Together

08.05.2010 by Craig Ford 3 comments

When couples move in different directions, it is nearly impossible for them to make any progress. Often times, if one spouse makes a few steps forward, the other makes just enough bad choices to take it all back. This is never any more true than when couples are facing debt problems. Moving in different directions [...]

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Ask The Readers: When is the right time to buy a new car?

07.27.2010 by Bob 22 comments

Knowing when to bite the bullet and buy a new car, rather than fixing the old car is always a tough decision. A ChristianPF reader wrote in this week asking for advice about his situation. I thought it would be a good question to get some feedback from the readers, so feel free to help [...]

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Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

How To Apply A Lump Sum Payment To Your Debt

07.23.2010 by Craig Ford 6 comments

It’s been several months since I’ve listened to the Dave Ramsey show. However, yesterday I decided it was time to get some post ideas as Dave seems to be a great resource for just that. A caller said they were getting a $70,000 inheritance and they were wondering how they should use it. They have about $100,000 in debt…

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Is There Such a Thing as Good Debt?

07.19.2010 by Jason Price 16 comments

How much debt do you have? Well, I’ve accumulated quite a bit of debt over the last 10 years. I suppose I’ve been a bit careless and now I’m starting to fill the pressure from it. I mean, I can’t make my monthly payments anymore. But…some of my debt is good, right? Really, what do you mean? It’s not all bad…

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Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

The Best Pre-Paid Credit Cards & Who Should Use Them

07.14.2010 by Bob 4 comments

While I have long been a debit card user (especially since I found a cash-back debit card) I have been intrigued by the idea of prepaid credit cards. The idea is pretty simple – it is basically just like a Visa gift card that you can swipe to make purchases, with a few additional features/downsides…

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Spain Wins and Debt Lessons from the World Cup!

07.12.2010 by Jason Price 2 comments

Spain Wins! Recently, I’ve taken a time out from the excitement and drama to think about the qualities a world class soccer player possesses to perform above the rest of the athletes on the field at the World Cup. Perhaps some of the qualities such players possess on the field can be used off the field in work, relationships and to help you overcome debt!

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Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!

7 Steps To Help Get Out Of Credit Card Debt

06.24.2010 by Joe Plemon 3 comments

You have vowed over and over again to get that credit card debt out of your life, but here you are, still in debt, frustrated with your lack of progress and starting to lose hope. Don’t! Millions have been where you are and have conquered that debt. You can too!

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Set a Time Goal to Get Out of Debt Faster

06.16.2010 by Joe Plemon 9 comments

“It is going to take forever to get these bills paid off.” “I tried to pay down my debts but I just ran out of steam.” “It seems hopeless.” “I don’t even know where to start.” Have you heard these before? Have you said them yourself? Yes, debt can be overwhelming, but setting a time goal will help you to not only stay…

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